Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.
Loss of Introductory APR. If the account is closed for any reason (including closure based on default of another GECU account), any introductory APR (the “Introductory APR”) then in effect is forfeited and the APR that will be applied to the outstanding balance will be the Standard Rate.
Loss of Introductory APR. If an introductory APR is applicable to Balance Transfers, we may end your introductory APR and apply the post-introductory Balance Transfer APR if all or part of your required minimum monthly payment is more than 60 days late.
Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement. SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT. This Platinum Card Agreement (“Agreement”) covers your Private Banking Platinum Card account (“Credit Card account”) you have with us. By requesting or accepting a Credit Card account, you agree to be bound by all the terms of this Agreement. In this Agreement, the words “you” or “your” mean everyone who has requested or accepted a Credit Card account with us. The words “we,” “us,” “our,” or “Bank” mean First Hawaiian Bank.
Loss of Introductory APR. We may end your introductory APR and apply the Penalty Pricing if you become more than 60 days late paying your bill. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement. Late Payment: A single violation will not exceed $25. However, if another violation occurs within a six month billing period we will charge up to the maximum fee in the table above. The Late Payment fee will not exceed the related minimum payment that was due. The Returned Check fee will not exceed the related check amount. * The Daily Periodic Rate for the Penalty APR is 0.0822% Review and save the following information of your account. This document together with the Rates and Fees Table is an agreement between you, the cardholder, and FirstBank. If you have questions, please call us using the number on the back of your card.
Loss of Introductory APR. We may end your introductory APR and apply the Penalty Pricing if you become more than 60 days late paying your bill. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your account agreement. Late Payment: A single violation will not exceed $25. However, if another violation occurs within a six-month billing period we will charge up to the maximum fee in the table above. The Late Payment fee will not exceed the related minimum payment that was due. The Returned Check fee will not exceed the related check amount. * The Daily Periodic Rate for the Penalty APR is 0.0822% Review and save the following information of your account. This document together with the Rates and Fees Table is an agreement between you, the cardholder, and FirstBank. If you have questions, please call us using the number on the back of your card. You also authorize Us to obtain and use your credit bureau reports and any other information about You for the purpose of: (1) providing extensions of credit for your account; (2) the administration, review or collection of your account; and (3) for marketing purposes, including but not limited to pre-approvals offers, cross-selling and in offering of other financial or non-financial products or services.
Loss of Introductory APR. We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for bal ance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Fina nce Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any pay...
Loss of Introductory APR. We may end your introductory APR and apply the corresponding transaction APR if you close your account or if you miss a payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. 1The corresponding Daily Periodic Rate for the Penalty APR is 0.0822% Please read these terms and conditions carefully and keep them for future reference. The terms and conditions for the revolving credit Account we established for you are contained below. Your entire Agreement with us includes: (1) the terms and conditions stated in this document and your application; (2) your Account-Opening Disclosures and all disclosures and materials provided to you before or when you opened your Account; (3) all billing statements; (4) any rewards program terms, conditions, and disclosures; (5) our privacy notices; (6) any other documents relating to your Account that we send by email or post online; and (7) any amendments we make to such documents from time to time. Use of the Card (the credit Card we issue to you to access your Account) constitutes acceptance of this Agreement. If you accept the Card, you should sign the Card immediately when you receive it. This Agreement applies whether or not you use your Card and will continue to apply even after your Account is closed, as long as you have a balance. If you choose not to accept the Card, you should not use it and should notify the Bank within 15 days after receiving this Agreement by contacting Customer Service. Your Agreement and Promise to Pay: By using your Card, Account number or a device to access your Account, making a payment on the Account, or signing an application for any Card we send you, you represent you are of legal age in your state of residence and you agree to the terms of this Agreement. You agree to pay us all amounts that we lend to you on your Account, together with Interest Charges and fees as provided in this Agreement. You agree to release and indemnify us from liability for damages, losses, or expensesthat arise as a result of our compliance with your instructions. WHO ARE THE PARTIES TO THIS AGREEMENT?
Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2020. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each member's credit history and product type. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer reques...
Loss of Introductory APR. We may end your introductory APR and apply the applicable Standard Rate if you make a late payment. Additional Terms and Conditions Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins are shown below. The index is the highest U.S. Prime Rate as published in the “Money Rates” section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index. a Standard Rates for Purchases, Term It Plans, and Balance Transfers: • Regions Life - Wall Street Journal Prime + a margin of 8.74% - 18.74% • Regions Prestige - Wall Street Journal Prime + a margin of 9.74% - 19.74% • Xxxxxxx Xxxx Xxxxxxx - Xxxx Xxxxxx Journal Prime + a margin of 10.74% - 20.74% • Regions Premium - Wall Street Journal Prime + a margin of 10.74% b Standard Rate for Cash Advances: • Wall Street Journal Prime + a margin of 21.74% Introductory Rates: * Introductory Rate on Purchases applies through the end of either the 15th monthly billing cycle (for Regions Life Accounts) or the 12th monthly billing cycle (for Regions Prestige, Cash Rewards, and Premium Accounts) after the Account is opened for all Purchases posted to the Account during the same period. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the Standard APR for Purchases disclosed above, as it may be changed under the Agreement.
